Call reports 2022
GUARDIAN SAVINGS BANK — 2022
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 38,488,000 | 38,501,000 | 34,359,000 | 34,814,000 |
| Total loans | 14,702,000 | 14,819,000 | 14,745,000 | 14,755,000 |
| Allowance for loan losses | 73,000 | 69,000 | 69,000 | 69,000 |
| Securities available for sale | 15,118,000 | 15,358,000 | 13,673,000 | 14,582,000 |
| Securities held to maturity | 488,000 | 1,270,000 | 1,252,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,785,000 | 27,705,000 | 26,415,000 | 25,829,000 |
| Interest-bearing deposits | 25,874,000 | 25,049,000 | 23,769,000 | 23,333,000 |
| Noninterest-bearing deposits | 2,911,000 | 2,656,000 | 2,646,000 | 2,496,000 |
| Equity capital | 6,687,000 | 6,210,000 | 5,861,000 | 5,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 225,000 | 487,000 | 734,000 | 986,000 |
| Interest expense | 26,000 | 55,000 | 89,000 | 132,000 |
| Net interest income | 199,000 | 432,000 | 645,000 | 854,000 |
| Noninterest income | 91,000 | 117,000 | 79,000 | 106,000 |
| Noninterest expense | 237,000 | 473,000 | 713,000 | 982,000 |
| Provision for loan losses | 0 | -4,000 | -4,000 | -4,000 |
| Pretax income | 53,000 | 80,000 | 80,000 | 47,000 |
| Income tax | 0 | 0 | -1,000 | -56,000 |
| Net income | 53,000 | 80,000 | 81,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,148,000 | 7,180,000 | 7,177,000 | 7,199,000 |